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SPTM vs XLC

State Street SPDR Portfolio S&P 1500 Composite Stock Market ETF vs State Street Communication Services Select Sector SPDR ETF

Last updated: 2026-04-02

SPTM State Street

State Street SPDR Portfolio S&P 1500 Composite Stock Market ETF (SPTM) is an exchange-traded fund issued by State Street that provides exposure to the total U.S. stock market across all capitalizations. It charges a very low expense ratio of 0.03%. The fund offers a moderate dividend yield of 1.19%. Launched in 2000, the fund has a 26-year track record.

AUM: N/A ER: 0.03% Yield: 1.19% Since: 2000-10-10
XLC State Street

State Street Communication Services Select Sector SPDR ETF (XLC) is an exchange-traded fund issued by State Street that provides exposure to us sector - communication securities. It charges a low expense ratio of 0.09%. The fund offers a moderate dividend yield of 1.25%. Launched in 2018, the fund has a 8-year track record.

AUM: N/A ER: 0.09% Yield: 1.25% Since: 2018-06-19

Quick Verdict

SPTM has a slightly lower expense ratio (0.03% vs 0.09%), saving about $119 per $10,000 over 10 years. Both funds have delivered similar 1-year returns (15.9% vs 15.0%), tracking closely.

Key Metrics

Metric SPTM XLC
Expense Ratio 0.03% 0.09%
Dividend Yield 1.2% 1.3%
Fund Family State Street State Street
Category US Total Market US Sector - Communication

Performance Chart

Indexed to 100 at start (5-year comparison)

60 82 104 126 148 170 2021-04 2022-06 2023-10 2024-12 2026-04
SPTM +57.9%
XLC +46.3%

Performance Comparison

Period SPTM XLC Difference
1 Month -3.78% -5.56% +1.78%
3 Months -3.69% -4.70% +1.01%
6 Months -2.07% -4.39% +2.32%
YTD -3.69% -4.70% +1.01%
1 Year +15.87% +15.02% +0.85%
3 Years +57.36% +91.38% -34.02%
5 Years +57.92% +46.29% +11.63%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment Period SPTM Fees XLC Fees You Save
$10,000 10 years $60 $179 $119
$10,000 20 years $258 $771 $512
$10,000 30 years $835 $2,486 $1,650
$50,000 10 years $299 $896 $597
$50,000 30 years $4,176 $12,428 $8,252
$100,000 30 years $8,352 $24,855 $16,503

Risk Metrics

Based on 5 years of daily returns

Metric SPTM XLC
Annualized Volatility 16.8% 20.7%
Max Drawdown -25.0% -47.2%
Sharpe Ratio 0.36 0.26

Dividend Comparison

Metric SPTM XLC
Annual Dividend (per share) $0.95 $1.40
Dividend Yield 1.19% 1.25%
Distribution Frequency Quarterly Quarterly

Which One Should You Choose?

Choose SPTM if...

you want the lowest fees and plan to buy and hold long-term. Over decades, the expense ratio difference compounds significantly.

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